Informed is not the same as ready

It’s quite likely that you know that credit cards (and negative cash flow) lead to debt.

That being overweight can jeopardize your health.

That climate change is real.

That the skills gap applies to you.

Or that now is the time to leave town.

Humans are really good at speculating negative outcomes, really bad at preventing them.

Of course, if you’re not willing to work through the discomfort of averting dire circumstances, there’s no point in entertaining them to begin with.